Community Bank of Central Texas, SSB in Smithville, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 29, 2002

  • Community Bank of Central Texas, SSB in Smithville, Texas (TX)
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Community Bank of Central Texas, SSB - Overview

  • General
  • FDIC Certificate #: 29079
    Status: Inactive
    Closing history: Absorption - Without Assistance
    Acquiring institution: The First National Bank of Bastrop (#3091)
    Federal Reserve ID: 806770
    Date Established: August 01, 1934
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 1 (Interstate: No)
    OTS Docket #: 2877
    FDIC's unique #: 41913
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: December 22, 1934
    Last Structure Change Effective Date: July 29, 2002
    Last Structure Change Process Date: October 29, 2002
    Last Data Update: October 29, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 312 Main Street, Smithville, TX 78957
    County: Bastrop
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Austin-San Marcos, TX (#640)
    Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126)
    Core Based Statistical Area (CBSA): Austin-Round Rock-San Marcos, TX (#12420)
    CBSA Metro Statistical Area: Austin-Round Rock-San Marcos, TX (#12420)
  • Financial Summary
  • Total assets: $33.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2001)

  • Dollar figures in thousands
  • 15Total employees (full-time equivalent)
  • $36,243Total assets
  • $1,454Cash and due from depository institutions
  • $1,189Interest-bearing balances
  • $12,670Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $20,049Net loans & leases
  • $257Loan loss allowance
  • $0Trading account assets
  • $1,288Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $782All other assets
  • $36,243Total liabilities and capital
  • $31,706Total liabilities
  • $27,551Total deposits
  • $25,916Interest-bearing deposits
  • $27,551Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $3,731Other borrowed funds
  • $0Subordinated debt
  • $424All other liabilities
  • $4,537Total equity capital
  • $4,537Total bank equity capital
  • $4,537Perpetual preferred stock
  • $0Common stock
  • $3Surplus
  • $1,097Undivided profits
  • Memoranda
  • $3,437Noncurrent loans and leases
  • $2,415Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $93Earning assets
  • $0Long-term assets (5+ years)
  • $243Average Assets, year-to-date
  • $33,908Average Assets, quarterly
  • $7,248Volatile liabilities
  • $36,338Insider loans
  • $36,031FHLB advances
  • $5,892Loans and leases held for sale
  • $337Unused loan commitments
  • $3,731Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,415Total unused commitments
  • $0Restructured Loans and leases
  • $373Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $2,610Total interest income
  • $1,340Total interest expense
  • $1,270Net interest income
  • $36Provision for loan and lease losses
  • $215Total noninterest income
  • $0Fiduciary activities
  • $95Service charges on deposit accounts
  • $0Trading account gains & fees
  • $120Additional noninterest income
  • $1,092Total noninterest expense
  • $606Salaries and employee benefits
  • $134Premises and equipment expense
  • $352Additional noninterest expense
  • $357Pre-tax net operating income
  • $104Securities gains (losses)
  • $146Applicable income taxes
  • $315Income before extraordinary items
  • $0Extraordinary gains - net
  • $315Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $7Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.67%Yield on earning assets
  • 3.94%Cost of funding earning assets
  • 3.73%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 3.21%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.87%Return on assets (ROA)
  • 1.27%Pretax return on assets
  • 7.13%Return on equity (ROE)
  • 7.13%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 514.29%Credit loss provision to net charge-offs
  • 56.14%Efficiency ratio
  • 73,535Assets per employee
  • 2.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.27%Loss allowance to noncurrent loans
  • 276.34%Noncurrent assets plus other real estate owned to assets
  • 0.26%Noncurrent loans to loans
  • 0.46%Net loans and leases to deposits
  • 72.77%Net loans and leases to core deposits
  • 80.12%Equity capital to assets
  • 12.52%Core capital (leverage) ratio
  • 11.92%Tier 1 risk-based capital ratio
  • 23.08%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $36,338Average earning assets
  • $4,418Average equity
  • $34,017Average loans

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